1. Training loan

Training institutions offer free training, provided that students sign contracts with the campus lending platform, and the borrowed money is used to purchase training courses for Jiuyingcai. After that, the company will give them money in the form of scholarships and repay them in installments. However, the money was directly given to the company, and the students did not handle it, and the person in charge of the company could not be contacted.

2. Beauty loan

Combining plastic surgery, beauty and high debt, and setting up condom chains by removing the first interest and deliberately overdue, some girls fall into debt traps and even become tools for routine loan gangs to make money for a long time.

3. Part-time loans

Generally, a company will offer students a part-time job after paying their salaries, so that students can freely choose the salary, and then do a part-time job at the corresponding time every month to pay back the monthly payment. But if you want to do a part-time job, you need to fill in your personal information first, and then register on the website and sign an agreement, which includes installment loans.

All of the above are forms of usury on campus, and there are four main risk points: usury and serial loan; Induce students to consume excessively; The risk of information theft; Subcontracting at different levels, violent collection. I hope everyone will be alert to campus loans and stay away from scams.

The hazards brought by campus loans mainly include the following:

1. Interest far higher than the principal. The annualized loan interest rate of most products on the online lending platform is above 15%, so the so-called "low interest rate" is not credible. The monthly interest rate of 0.99% is a marketing trick, and students are easily cheated.

2. Bring trouble to your classmates and family. Some loans are very convenient, just need an ID card, and some students use their ID cards to handle loans for others because of personnel relations and other reasons. This behavior is risky, because once the other party is unable to repay, the remaining debt will be borne by the "respondent" alone.

3. Once overdue, the dunning is "all-round". In some cases, once a student's loan is not repaid, the online lending platform will not recover the money through proper channels, but will use threatening means such as sending text messages to parents, relatives and friends, teachers, posting posters on campus, and even arranging people to come to the door to stop and urge students to pay their debts.

It is easy to breed the bad habit of borrowing. Some students like to compare with others and have bad habits. The expenses provided by parents can't meet their needs. These students may turn to usury on campus to obtain funds, which may lead to gambling, alcoholism and other bad habits, and even skip classes and drop out of school because they are unable to repay.

5. It is easy to induce other crimes. Lenders may use campus "usury" to defraud students of collateral and deposits, or use student information to engage in telephone fraud and defraud credit cards.